First Interstate BancSystem Inc. Common Stock (DE) (FIBK)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at banks differently from most businesses. There is no inventory to count and no factory to inspect — the balance sheet is the business — and I cannot see the loan book, the capital ratio or the net interest margin in these numbers, so I proceed with humility. What I can see is a $3.3 billion regional lender earning about $3.23 per share with the stock at $34.71, which is roughly ten and three-quarter times earnings and one times book value at the close on 2026-10-13. A bank at book, carrying a 5.42% dividend yield and a 0.71 beta, is not being priced for perfection.

In plain English: First Interstate BancSystem is a regional bank that takes deposits and makes loans, mostly to people and businesses in the western United States. The business looks reasonably solid — profits grew and the bank earns a steady return on shareholder money — but its total revenue slipped a little and profits have bounced around over the years. At the current price, buyers are paying about what the bank's net assets are worth and roughly ten times its yearly earnings, which looks fair rather than a steal.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer